Personal Insurance

Home

Auto

Flood

 

Let us also insure your:

Boat & Jetski • Snowmobile • Motorcycle • ATV

Historic Home • Condo • Rental Property

Antique Auto • Personal Umbrella • Life & Disability


Homeowner's Insurance

What's Included on a Homeowner's Policy?

The Dwelling - Covers the building, including all built-in systems such as plumbing and heating, plus any attached structures.

Other Structures - Provides coverage for detached structures or out buildings such as a garage, shed, or barn.

Personal Property - Covers your personal belongings and contents of your home (clothes, furniture, electronics, etc.)

Loss of Use - Pays for additional living expenses above and beyond your typical living expenses, in the event you are temporarily displaced from your home due to a covered loss.

Personal Liability - Pays for Defense and Judgments for claims of accidental bodily injury to others and/or property damage of others.

Medical Payments - Pays Medical expenses for persons accidentally injured by you or on your property.

Auto Insurance

Rating factors extend beyond age, gender, driving records and the make/model of your car. Calculating home & auto premiums has become quite complex and is far more sophisticated compared to our parents generation.

Did you know that auto insurance companies can differ regarding:

  • How many years back a driver is penalized for violations or accidents on their driving record?
  • How they rate and charge for youthful drivers?
  • How heavily your insurance score (based on your credit) impacts your auto insurance premium?
  • The discounts they offer for portfolio credits?
  • Charging you higher premium if you have loans on your cars?

 

When the cost of your insurance takes a sharp increase, we're there for you! We'll shop your policies at your renewal with all of our companies to find you a less expensive option.

What do we charge you for this service? Absolutely nothing. That's our commitment to you.

Flood Insurance

  • Floods are the #1 Natural Disaster in the United States
  • 1 in 4 Flood Claims are filed in Low-to Moderate Flood Risk Areas
  • Disaster Assistance, if it's available, is typically a loan you must repay with interest
  • Just a few inches of water can cause tens of thousands of dollars of damage
  • The average Flood claim over the last 10 years is $33,000

 

Homeowner's Insurance policies typically exclude coverage for losses caused by flooding. Flood Insurance can be obtained by purchasing a separate flood insurance policy. There is a 30-day waiting period from the time flood insurance is purchased to the date when coverage begins. If you attempt to buy flood insurance during a storm warning, it will be too late. The 30-day waiting period is waived only if your mortgage company mandates that you secure flood insurance.

 

We can also insure your:

  • Historic Home
  • Investment Property 
  • Condo
  • Personal Umbrella
  • Boat & Watercraft
  • Snowmobiles
  • Antique Autos & Classic Cars
  • Vacant Properties
  • Motorcylces 
  • Motorhomes
  • ATV
  • Life & Disability Insurance

 

All insurance policies contain exclusions limitations and conditions.

Please refer to your insurance policy for a description of exclusions, limitations, and conditions.